Core Viewpoint - The article emphasizes the strategic importance of consumer finance in driving economic growth, highlighting the achievements and future plans of Zhongyuan Consumer Finance as it celebrates its ninth anniversary, focusing on serving new urban residents and rural revitalization efforts [1][8]. Group 1: Achievements and Financial Metrics - As of December 2025, Zhongyuan Consumer Finance has issued over 510 billion yuan in loans, with a loan balance exceeding 44 billion yuan and serving over 28 million customers [1]. - The company has provided 253.1 billion yuan in loans specifically for new urban residents, with a loan balance of 21.4 billion yuan, impacting 12 million individuals [2]. - In key consumer sectors, the loan balance reached 29 billion yuan, accounting for 67% of total loans, with home renovation, cultural tourism, and home appliances being the primary consumption areas [7]. Group 2: Service Innovations for New Urban Residents - Zhongyuan Consumer Finance has developed tailored financial products for new urban residents, addressing their unique needs and preferences through a comprehensive risk assessment mechanism [2]. - The company has launched various digital financial services, including H5 products and mini-programs on WeChat and Alipay, to integrate financial services into the daily lives of new urban residents [2][3]. Group 3: Rural Revitalization and Financial Inclusion - The company aims to bridge the "last mile" of financial services by leveraging technology to provide accessible financial solutions in rural areas, enabling residents to complete loan processes online [3]. - Zhongyuan Consumer Finance collaborates with Zhongyuan Bank to enhance offline service capabilities, establishing dedicated teams in multiple cities to support rural financial needs [3][4]. Group 4: Consumer Market Dynamics - In the first ten months of the year, Henan Province's total retail sales of consumer goods reached 2,372.316 billion yuan, reflecting a year-on-year growth of 6.0%, surpassing the national average by 1.7 percentage points [5]. - The company has implemented a "subsidy and benefit protection" model to support national strategies for expanding domestic demand, benefiting 346 million consumers and providing over 52.46 million yuan in financial incentives [6]. Group 5: Future Directions and Commitment - Zhongyuan Consumer Finance plans to continue enhancing its financial product offerings and service models to support rural industry growth and improve the livelihoods of residents [4][8]. - The company is committed to adapting to new market conditions and expanding its inclusive financial services, aiming to contribute significantly to China's modernization efforts [8].

Core Viewpoint - Henan Zhongyuan Consumer Finance Co., Ltd. has been committed to inclusive finance for nine years since its establishment in December 2016, significantly contributing to the financial needs of underserved populations and enhancing economic development [1][3]. Group 1: Company Achievements - As of December 2025, Zhongyuan Consumer Finance has issued loans exceeding 510 billion yuan, with a loan balance of over 44 billion yuan, serving more than 28 million customers [3][4]. - The company has developed a dual-channel approach, combining online and offline services to enhance financial accessibility, particularly in rural areas and among new urban residents [3][4]. Group 2: Service Innovations - Zhongyuan Consumer Finance utilizes big data and cloud computing to create precise profiles of rural users, enabling them to complete the entire loan application process online [4]. - For new urban residents, the company has established dedicated credit models and risk assessment mechanisms, launching products tailored to their consumption needs, with a loan balance of 21.4 billion yuan for this demographic, serving 12 million new residents [4]. Group 3: Consumer Activation Strategies - The company has implemented various measures to stimulate consumption, including subsidies and interest-free offers, benefiting 3.46 million users and providing over 52.46 million yuan in financial relief [5]. - By integrating financial services into everyday consumer scenarios, such as shopping districts and supermarkets, Zhongyuan Consumer Finance has achieved a loan balance of 29 billion yuan in key consumption areas, accounting for 67% of its total loans [5]. Group 4: Future Commitment - Zhongyuan Consumer Finance remains dedicated to serving national strategies and meeting public needs, aiming to innovate service models centered around users and contribute to common prosperity through inclusive finance [6].

Core Viewpoint - Zhongyuan Consumer Finance has been committed to inclusive finance for nine years, focusing on serving underrepresented customer groups and contributing to economic development [3][9]. Group 1: Company Overview - Zhongyuan Consumer Finance was established on December 29, 2016, and has since been a key player in the inclusive finance sector [1]. - As of December 2025, the company has disbursed over 510 billion yuan in loans, with a loan balance exceeding 440 billion yuan and serving over 28 million customers [3]. Group 2: Service Model - The company employs a dual approach of online and offline services to enhance its financial service network, addressing the needs of underserved areas [5]. - Utilizing big data and cloud computing, Zhongyuan Consumer Finance provides a full online loan application process, while also leveraging its parent company, Zhongyuan Bank, for offline support [5]. Group 3: Targeting New Citizens - Zhongyuan Consumer Finance has developed specialized credit models and risk assessment mechanisms for new citizens, launching products tailored to their financial needs [6]. - By December 2025, the company had a loan balance of 214 million yuan for new citizens, serving 1.2 million individuals [6]. Group 4: Promoting Consumption - The company plays a vital role in stimulating economic growth by promoting consumption through financial incentives such as subsidies and interest-free loans [8]. - As of December 2025, Zhongyuan Consumer Finance has benefited 3.46 million users with financial incentives totaling over 5.246 million yuan [8]. Group 5: Integration of Financial Services - The company has integrated its financial services into various consumer scenarios, enhancing accessibility and user experience [9]. - By December 2025, the loan balance in key consumption areas such as home renovation and entertainment reached 290 billion yuan, accounting for 67% of total loans [9].